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If you're burned...

First things first: If the affected area is smaller than 3 inches in diameter, run it under cold water for 5 minutes, says Meyer. If the skin isn't blistered or charred—signs of serious burns—pop two ibuprofen or acetaminophen and leave the burn exposed to air. Don't slather on an antiseptic cream right away, says Meyer. "Wait at least an hour, or until the skin has cooled." When the burning sensation stops, prevent infection with an antibiotic ointment. Mild soap and water can work in a pinch.

The "uh-oh" moment: Blistering skin means a second-degree burn. "These are fairly serious, but an area smaller than your palm can be managed at home," says David Ross, D.O., an emergency physician at Penrose Hospital, in Colorado Springs, and a member of the American College of Emergency Physicians. Don't pop the blisters, and skip the cream. Cover unhealed blisters loosely with gauze or an adhesive strip.

Dial 911: If your skin resembles an overcooked rib-eye, you have third-degree burns. While you're waiting for paramedics, don't submerge the burns in cold water, which could lead to shock and hypothermia. Make sure your skin is no longer in contact with smoldering fabric, and let the experts remove any stuck clothing.